Simplified orders using words or phrases

ABSTRACT

A user communicates, such as through text, a phrase or word to quickly place and pay for an order. The phrase corresponds to details of the order and one phrase can contain orders with multiple merchants. Once the phrase is communicated, a service provider or merchant determines the order from the phrase and processes the order, which may include transmitting order details to the merchant(s) and processing the payment(s) to the merchant(s) on behalf of the user.

BACKGROUND

1. Field of the Invention

The present invention generally relates to online transactions, and inparticular, to placing orders online.

2. Related Art

Ordering ahead of time provides consumers the advantage of not having towait for an order to be ready. Ordering can be physical goods, drinks,food, etc. For example, a consumer can call a restaurant to order foodto go or a consumer can place an online order for goods or a food order.After ordering, the consumer may go to a physical location to pick upthe ordered items.

However, phone orders can be cumbersome and costly because the consumerneeds to find and dial a number, talk to a person, which may take awhile if the person is busy, and/or have the order misunderstood. Thepayee (e.g., a restaurant) incurs costs for having a person be availableto answer and take orders from the consumer, as well as lost profits orrevenue with incorrect orders.

Online orders alleviate some of these disadvantages. However, theconsumer may feel that online ordering is too time-consuming, especiallyfor regular or repeat orders the consumer makes to the same merchant orretailer. Some sites allow the user to save previous orders forsimplified repeat ordering, but this does not help users who are awayfrom their computers and may only have their mobile device. Due to thesmall data input (keypads) and screens, it may be difficult for the userto access the merchant site, log into the consumer's account, andnavigate to find the ordering page.

Therefore, a need exists to provide the consumer an easier way to placeorders.

SUMMARY

In different aspects of the present disclosure, a consumer or usertransmits a word or phrase to place an order. The word or phrase isassociated with a particular order at one or more different merchants,sellers, or retailers such that details of the order can be obtainedfrom the word or phrase. As a result, the user can quickly and easilyplace an order electronically by simply entering a word or phrase.

In one embodiment, the user identifies specific items or goods to beassociated with a word or phrase. For example, with a food order, theuser may equate “one large thin crust pepperoni pizza with extra cheese,one liter of water, one meatball sub, and two sausage calzones” atGino's Pizza Palace with the phrase “party1 ginos.” This information isstored by an entity involved in the transaction, which may include themerchant, a payment provider, or third party service provider. Once theentity receives the phrase, the entity may determine the specifics ofthe order, such as items and merchant(s), and the user, such as throughcookies, device ID, or other user/device identifier.

If the entity is the merchant, the merchant processes the order. Theuser may make the payment when picking up the order or when the order isreleased, such as in-person, through the merchant site or other means.If the entity is a payment provider, the payment provider sends thedetailed order to the merchant for processing and then handles thepayment from the user to the merchant. If the entity is a third partyservice provider, such as a website offering this service, the entitymay send the detailed order to the merchant and communicate with apayment provider to handle payment.

In one embodiment, the user communicates the word or phrase through asocial network, such as Twitter®. Other ways to communicate may includethrough a website, using the user's mobile device through voice or text,using the user's computing device through emails, etc.

The user may set up many different words or phrases for differentorders. An order does not need to be for a single merchant, but can bewith different merchants. For example, the user may consolidate an orderwith multiple merchants all located in the same location, such as amall. The user may set up an order to include “a turkey and avocadosandwich with light mayonnaise and mustard on sourdough and a mediumdiet Coke at Joe's Subs,” “a large vanilla frozen yogurt with chocolatechip topping at Yum Yum Frozen Yogurt,” and “two boxes of Pamper's size4 diapers and four boxes of Mom's Baby Formula at Winnie's Pharmacy.”This order is associated with the phrase “lunch and baby at mall.”

Thus, a user can place an order quickly and easily, even a complicatedorder with multiple items from multiple merchants, by simply entering aword or phrase into a user device, such as a phone.

These and other features and advantages of the present invention will bemore readily apparent from the detailed description of the embodimentsset forth below taken in conjunction with the accompanying drawings.

BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 shows a process for a user to set up a “quick-order” option usinga word or phrase according to one embodiment;

FIG. 2 shows a process for conducting an order using the “quick-order”option according to one embodiment;

FIG. 3 is block diagram of a networked system suitable for implementingthe process of FIGS. 1 and 2 according to an embodiment; and

FIG. 4 is a block diagram of a computer system suitable for implementingone or more components in FIG. 3 according to one embodiment of thepresent disclosure.

Embodiments of the present disclosure and their advantages are bestunderstood by referring to the detailed description that follows. Itshould be appreciated that like reference numerals are used to identifylike elements illustrated in one or more of the figures, whereinshowings therein are for purposes of illustrating embodiments of thepresent disclosure and not for purposes of limiting the same.

DETAILED DESCRIPTION

FIG. 1 is a flowchart 100 showing a process for a user to set up a“quick-order” option using a word or phrase (with “word” or “phrase”used herein to encompass both a word or a phrase) according to oneembodiment. At step 102, the user enters a site facilitating the“quick-order” option. The site can be managed or maintained by amerchant, a payment provider, such as PayPal, Inc. of San Jose, Calif.,a third party service provider, a retailer, a restaurant, or the like.In this embodiment, the site is managed by a payment provider. Enteringthe site of the payment provider may be accomplished in any number ofways, including accessing the URL of the site through a PC or othercomputing device, through an App on a mobile device, a browser on themobile device, etc.

Next, the user may access, at step 104, the user's account with thepayment provider, such as by providing a user identifier andpassword/PIN or other authenticating credentials. This can be donemanually, automatically, or a combination of both, such as throughcookies, device IDs, “remember me” functionalities, auto-fills, andentry through keypads, keyboards, or voice. If the user does not have anaccount with the payment provider, the user may be asked to create anaccount. Account creation may include the user providing certaininformation, such as name, user name, password, phone number, address,email, date of birth, bank account number, credit card number, and/orany other information as requested.

Once within the user's account, the user may select an option to set upthe “quick-order” feature at step 106. The user may select a tab on theuser's account page, click or tap a link or button, or other means tomake the selection. The user is then presented with information abouthow to set up the “quick-order” feature.

The user may then enter requested information or follow instructions forsetting up the feature. In this embodiment, the user selects oridentifies, at step 108, a merchant, retailer, restaurant, or otherentity or person with which the user will be placing the order with.“Merchant” may be used herein to refer to any of such entity or person.The selection or identification may be performed in any suitable way,including, but not limited to the user selecting participating merchantsfrom a list or menu or the user using a search tool to find themerchant.

After the merchant is selected, the user creates an order, at step 110,for that merchant. The user may select desired offerings, such as itemsor services, from the merchant site, a listing on the payment providersite, a pull down or drop down menu of available offerings (which may beless than what is offered on the merchant's site) from the paymentprovider site, or any suitable means. Individually selected items may beedited as needed. For example, if the user selects a shirt, the useralso selects a size. If the user selects a food item, the user may alsoselect substitutions, additions and/or deletions to the food item. Forexample, if the user selects a pizza, the user may select toppings, thetype of crust, and the size. The user selects all desired items for thisorder from the selected merchant. At the end of the selection, the usermay confirm or edit the order as needed.

Once, confirmed, if the user wishes to add items to the order from adifferent merchant, as determined at step 112, the user selects the newmerchant at step 108 and continues the process described above.

Once the user has selected and confirmed all desired items from alldesired merchants, the user enters a word or phrase at step 114 toidentify the order. In one embodiment, the user types in the word orphrase via a keyboard, keypad, or other data input means on a userdevice. In another embodiment, the user inputs the word or phrase byvoice, such as speaking into the user device. Other entry means may alsobe suitable. The word or phrase may have enough descriptors so that theuser can easily remember and use the word or phrase when needed. If theuser ends up having many different “quick-order” phrases, each phrasemay need to be even more descriptive. However, if the user only has afew phrases, the phrases may be more general.

In one example, the user may select a word or phrase like “order1” or“food order” if the user only has a few orders. Examples of moredescriptive phrases include “Burger Palace,” “party order Sid'sSandwich,” “diaper order,” “diaper order Don's Drugs,” “Newport Mall,”and the like. Optionally, the user may confirm or edit the word/phraseand order as needed or requested. Once confirmed or entered, the systemassociates the word/phrase with the details of the order and the user'saccount.

If the user wishes to set up another “quick-order” phrase for anotherorder, as determined at step 116, the user selects a merchant at step108, which may be the same as a previous merchant or a new merchant. Theprocess continues until the user is finished with the session, i.e., nomore merchants or orders to add.

Note the user may also set limits or restrictions for the quick-orderfeature. This, along with other steps described above, can be done inany feasible order. Examples of limits include, but are not limited to,prefunding a quick-order account such that little or no additionalauthentication is needed when processing the order, setting a minimumdollar amount or transaction number for a transaction, a set number oftransactions, or a time period, and setting an order amount in whichlittle or no authentication would be needed. Such limitations may beapplied to all orders, some orders, or for each order.

FIG. 2 is a flowchart 200 showing a process for conducting an orderusing the “quick-order” option according to one embodiment. At step 202,the user accesses the appropriate forum for entering the quick-orderphrase. For example, the user may access a payment provider site, an Appon a mobile device, a merchant site, or a third party site. If the useris not required to access a site, this step may include accessing ascreen for entering the quick-order phrase, such as the text option on auser device, a user email account, or a keypad/keyboard to dial a numberfor voice input.

Next, the user enters user information, at step 204. User informationmay include a user identifier and/or a user password/PIN. The useridentification may be a user name, phone number, email address, etc. Insome embodiments, the user also enters a password or PIN. Entry of userinformation may be done in any number of ways, including manuallyentering from a keypad or keyboard, by voice, etc. Note that entry of auser identifier and/or a password/PIN may be skipped in differentembodiments. For example, the user identification step may be skipped ifthe user ID is automatically communicated as part of the usercommunication, such as through cookies, a user phone number, or deviceID. Entering a password or PIN may be skipped if the user isauthenticated without such data or the system does not requireauthentication, such as if the user has a “remember me” type offunctionality or pre-authorized a setting that does not requireauthentication to use the quick-order feature.

If the user does not have an account or the system cannot find a useraccount, the user may be asked to re-enter information or create anaccount. Account creation may include providing a user name, password,phone number, email address, address, credit card information, bankaccount information, and/or any other requested information by thesystem.

Next, the user enters the quick-order phrase at step 206. Again, thiscan be done in any number of different ways. Examples include typing inthe phrase using a device keyboard, keypad, or other data entry means,selecting the phrase from a drop down menu or list of user phrases, orspeaking the phrase into an audio input.

Once entered or selected, the user transmits the phrase, at step 208. Inone embodiment, the user selects a “return” button or link, a “send”button or link, or the like. In another embodiment, the user speaks intoa device, which transmits the audio phrase.

After transmission of the quick-order phrase, the system receives thephrase and determines, at step 210, whether the received phrase matchesa phrase associated with the user. The system may access the user'saccount using received user information from step 204 and retrievequick-order phrases associated with the account. The system may thendetermine if the received phrase matches with at least one of thephrases in the user's account. If there is no match, the user may berequested to enter the phrase again at step 206.

Once a match is found, the system determines details of the order atstep 212. Details may include the exact description of an item orservice, a quantity of each item or service, and merchant informationfor each item or service. As discussed above, the order may includemultiple merchants. The details of the order may then be communicated tothe user. For example, the user may see, on a display of the userdevice, a listing of the order from each merchant.

After receiving the order details, the user determines, at step 214,whether to confirm the order. The user may choose not to confirm theorder for any number of reasons, including changing his/her mind orwanting to modify or revise the order. For whatever reason, if the userdoes not want to confirm the order as presented, the user may edit theorder at step 216. Editing the order may include canceling the order,such as by selecting an appropriate button, link, or box. If, however,the user does not wish to cancel the order, the user may revise asdesired. For example, the user can change one or more quantities, removeone or more items, add one or more items, change details of one or moreitems, etc. This may be accomplished in any number of ways, includingmanually making the changes through a device input, such as akeyboard/keypad.

After the user is satisfied with the edited order from step 216 orconfirms the original order from step 214, the order is processed atstep 218. Order processing may include transmitting the details of theorder to the appropriate merchant(s), debiting an appropriate amountfrom a user account, crediting an appropriate amount to one or moremerchant accounts, notifying the merchant(s) and/or the user of asuccessful transaction, etc. The user may then pick up or otherwisereceive the purchased items.

In one example, a third party site, which we will call TweetEat.com, isused to process the quick-order transaction. Merchants orrestaurant/food establishments sign up for the service on the site,which can include account details, contact information, etc. Themerchant uploads menu items to be offered and pricing to the site, whichmay be a take-out or full menu. The consumer also signs up for theservice at the site, which may include providing account details,funding details, one or more phrases associated with order details for amerchant, password, etc. Funding details may include account informationfor a payment provider, such as PayPal.

When the consumer wishes to place a quick-order, the consumer “tweets”@tweeteat with the quick-order phrase. TweetEat handles the message andsends it to the merchant. The consumer's account is automaticallydebited for the amount of the order, including any fees from the thirdparty or payment provider. The customer then goes to the merchant andpicks up the order, such as by showing identification or a receipt.

Thus, the user is able to quickly and easily place an order with one ormore merchants, saving both time and effort. These advantages may beeven more pronounced with mobile devices, which have smaller displaysand keypads/keyboards.

FIG. 3 is a block diagram of a networked system 300 configured to handlea financial transaction between a payment recipient (e.g., merchant) anda payment sender (e.g., user or consumer), such as described above, inaccordance with an embodiment of the invention. System 300 includes auser device 310, a merchant server 340, and a payment provider server370 in communication over a network 360. Payment provider server 370 maybe maintained by a payment provider, such as PayPal, Inc. of San Jose,Calif. A user 305, such as the sender or consumer, utilizes user device310 to perform a payment transaction with merchant server 340 usingpayment provider server 370.

User device 310, merchant server 340, and payment provider server 370may each include one or more processors, memories, and other appropriatecomponents for executing instructions such as program code and/or datastored on one or more computer readable mediums to implement the variousapplications, data, and steps described herein. For example, suchinstructions may be stored in one or more computer readable media suchas memories or data storage devices internal and/or external to variouscomponents of system 300, and/or accessible over network 360.

Network 360 may be implemented as a single network or a combination ofmultiple networks. For example, in various embodiments, network 360 mayinclude the Internet or one or more intranets, landline networks,wireless networks, and/or other appropriate types of networks.

User device 310 may be implemented using any appropriate hardware andsoftware configured for wired and/or wireless communication over network360. For example, in one embodiment, the user device may be implementedas a personal computer (PC), a smart phone, personal digital assistant(PDA), laptop computer, and/or other types of computing devices capableof transmitting and/or receiving data, such as an iPad™ from Apple™

User device 310 may include one or more browser applications 315 whichmay be used, for example, to provide a convenient interface to permituser 305 to browse information available over network 360. For example,in one embodiment, browser application 315 may be implemented as a webbrowser configured to view information available over the Internet. Userdevice 310 may also include one or more toolbar applications 320 whichmay be used, for example, to provide client-side processing forperforming desired tasks in response to operations selected by user 305.In one embodiment, toolbar application 320 may display a user interfacein connection with browser application 315 as further described herein.

User device 310 may further include other applications 325 as may bedesired in particular embodiments to provide desired features to userdevice 310. For example, other applications 325 may include securityapplications for implementing client-side security features,programmatic client applications for interfacing with appropriateapplication programming interfaces (APIs) over network 360, or othertypes of applications. Applications 325 may also include email, texting,voice and IM applications that allow user 305 to send and receiveemails, calls, and texts through network 360, as well as applicationsthat enable the user to communicate, place orders, and make paymentsthrough the payment provider as discussed above. User device 310includes one or more user identifiers 330 which may be implemented, forexample, as operating system registry entries, cookies associated withbrowser application 315, identifiers associated with hardware of userdevice 310, or other appropriate identifiers, such as used forpayment/user/device authentication. In one embodiment, user identifier330 may be used by a payment service provider to associate user 305 witha particular account maintained by the payment provider as furtherdescribed herein. A communications application 322, with associatedinterfaces, enables user device 310 to communicate within system 300.

Merchant server 340 may be maintained, for example, by an on-linemerchant or seller offering various products and/or services in exchangefor payment to be received over network 360. Generally, merchant server340 may be maintained by anyone or any entity that receives money, whichincludes charities as well as retailers and restaurants. Merchant server340 includes a database 345 identifying available products and/orservices (e.g., collectively referred to as items) which may be madeavailable for viewing and purchase by user 305. Accordingly, merchantserver 340 also includes a marketplace application 350 which may beconfigured to serve information over network 360 to browser 315 of userdevice 310. In one embodiment, user 305 may interact with marketplaceapplication 350 through browser applications over network 360 in orderto view various products, food items, or services identified in database345.

Merchant server 340 also includes a checkout application 355 which maybe configured to facilitate the purchase by user 305 of goods orservices identified by marketplace application 350. Checkout application355 may be configured to accept payment information from or on behalf ofuser 305 through payment service provider server 370 over network 360.For example, checkout application 355 may receive and process a paymentconfirmation from payment service provider server 370, as well astransmit transaction information to the payment provider and receiveinformation from the payment provider (e.g., a transaction ID). Checkoutapplication 355 may also be configured to accept one or more differentfunding sources for payment.

Payment provider server 370 may be maintained, for example, by an onlinepayment service provider which may provide payment between user 305 andthe operator of merchant server 340. In this regard, payment providerserver 370 includes one or more payment applications 375 which may beconfigured to interact with user device 310 and/or merchant server 340over network 360 to facilitate the purchase of goods or services by user305 of first user device 310 using a quick-order phrase as discussedabove.

Payment provider server 370 also maintains a plurality of user accounts380, each of which may include account information 385 associated withindividual users. For example, account information 385 may includeprivate financial information of users of devices such as accountnumbers, passwords, device identifiers, user names, phone numbers,credit card information, bank information, or other financialinformation which may be used to facilitate online transactions by user305. Advantageously, payment application 375 may be configured tointeract with merchant server 340 on behalf of user 305 during atransaction with checkout application 355 to track and manage purchasesmade by users and which funding sources are used.

A transaction processing application 390, which may be part of paymentapplication 375 or separate, may be configured to receive informationfrom a user device and/or merchant server 340 for processing and storagein a payment database 395. Transaction processing application 390 mayinclude one or more applications to process information from user 305for processing an order and payment using a quick-order phrase asdescribed herein. As such, transaction processing application 390 maystore details of an order associated with a phrase from individualusers. Payment application 375 may be further configured to determinethe existence of and to manage accounts for user 305, as well as createnew accounts if necessary, such as the set up, management, and use ofquick-order phrases.

FIG. 4 is a block diagram of a computer system 400 suitable forimplementing one or more embodiments of the present disclosure. Invarious implementations, the user device may comprise a personalcomputing device (e.g., a personal computer, laptop, smart phone, PDA,Bluetooth device, key FOB, badge, etc.) capable of communicating withthe network. The merchant and/or payment provider may utilize a networkcomputing device (e.g., a network server) capable of communicating withthe network. It should be appreciated that each of the devices utilizedby users, merchants, and payment providers may be implemented ascomputer system 400 in a manner as follows.

Computer system 400 includes a bus 402 or other communication mechanismfor communicating information data, signals, and information betweenvarious components of computer system 400. Components include aninput/output (I/O) component 404 that processes a user action, such asselecting keys from a keypad/keyboard, selecting one or more buttons orlinks, etc., and sends a corresponding signal to bus 402. I/O component404 may also include an output component, such as a display 411 and acursor control 413 (such as a keyboard, keypad, mouse, etc.). Anoptional audio input/output component 405 may also be included to allowa user to use voice for inputting information by converting audiosignals. Audio I/O component 405 may allow the user to hear audio. Atransceiver or network interface 406 transmits and receives signalsbetween computer system 400 and other devices, such as another userdevice, a merchant server, or a payment provider server via network 360.In one embodiment, the transmission is wireless, although othertransmission mediums and methods may also be suitable. A processor 412,which can be a micro-controller, digital signal processor (DSP), orother processing component, processes these various signals, such as fordisplay on computer system 400 or transmission to other devices via acommunication link 418. Processor 412 may also control transmission ofinformation, such as cookies or IP addresses, to other devices.

Components of computer system 400 also include a system memory component414 (e.g., RAM), a static storage component 416 (e.g., ROM), and/or adisk drive 417. Computer system 400 performs specific operations byprocessor 412 and other components by executing one or more sequences ofinstructions contained in system memory component 414. Logic may beencoded in a computer readable medium, which may refer to any mediumthat participates in providing instructions to processor 412 forexecution. Such a medium may take many forms, including but not limitedto, non-volatile media, volatile media, and transmission media. Invarious implementations, non-volatile media includes optical or magneticdisks, volatile media includes dynamic memory, such as system memorycomponent 414, and transmission media includes coaxial cables, copperwire, and fiber optics, including wires that comprise bus 402. In oneembodiment, the logic is encoded in non-transitory computer readablemedium. In one example, transmission media may take the form of acousticor light waves, such as those generated during radio wave, optical, andinfrared data communications.

Some common forms of computer readable media includes, for example,floppy disk, flexible disk, hard disk, magnetic tape, any other magneticmedium, CD-ROM, any other optical medium, punch cards, paper tape, anyother physical medium with patterns of holes, RAM, PROM, EPROM,FLASH-EPROM, any other memory chip or cartridge, or any other mediumfrom which a computer is adapted to read.

In various embodiments of the present disclosure, execution ofinstruction sequences to practice the present disclosure may beperformed by computer system 400. In various other embodiments of thepresent disclosure, a plurality of computer systems 400 coupled bycommunication link 418 to the network (e.g., such as a LAN, WLAN, PTSN,and/or various other wired or wireless networks, includingtelecommunications, mobile, and cellular phone networks) may performinstruction sequences to practice the present disclosure in coordinationwith one another.

Where applicable, various embodiments provided by the present disclosuremay be implemented using hardware, software, or combinations of hardwareand software. Also, where applicable, the various hardware componentsand/or software components set forth herein may be combined intocomposite components comprising software, hardware, and/or both withoutdeparting from the spirit of the present disclosure. Where applicable,the various hardware components and/or software components set forthherein may be separated into sub-components comprising software,hardware, or both without departing from the scope of the presentdisclosure. In addition, where applicable, it is contemplated thatsoftware components may be implemented as hardware components andvice-versa.

Software, in accordance with the present disclosure, such as programcode and/or data, may be stored on one or more computer readablemediums. It is also contemplated that software identified herein may beimplemented using one or more general purpose or specific purposecomputers and/or computer systems, networked and/or otherwise. Whereapplicable, the ordering of various steps described herein may bechanged, combined into composite steps, and/or separated into sub-stepsto provide features described herein.

The foregoing disclosure is not intended to limit the present disclosureto the precise forms or particular fields of use disclosed. As such, itis contemplated that various alternate embodiments and/or modificationsto the present disclosure, whether explicitly described or impliedherein, are possible in light of the disclosure. Having thus describedembodiments of the present disclosure, persons of ordinary skill in theart will recognize that changes may be made in form and detail withoutdeparting from the scope of the present disclosure. Thus, the presentdisclosure is limited only by the claims.

1. A system of processing an order, comprising: a memory storinginformation about user accounts, wherein the information comprises oneor more phrases associated with a user and multiple merchants for aplurality of orders with the multiple merchants; an one or moreprocessors configured for receiving, by a third party payment provider,identification information of a user; receiving the phrase associatedwith the user and the plurality of orders, wherein the phrase is uniqueto the plurality of orders associated with the multiple merchants;determining, by the payment provider, details of the order from thephrase, wherein the determining comprises determining the merchant(s)associated with the order from the phrase; and processing the order,wherein the processing comprises debiting an account of the user withthe payment provider and crediting an account of the merchant(s) withthe payment provider.
 2. The system of claim 1, wherein the phrase isselected by the user and contains less characters than the order.
 3. Thesystem of claim 1, wherein the processing comprises transmitting thedetails to a merchant and making a payment to the merchant on behalf ofthe user.
 4. The system of claim 1, wherein the phrase is received bytext.
 5. The system of claim 1, wherein the phrase is received by audio.6. The system of claim 1, further comprising requesting a confirmationof the details from the user.
 7. The system of claim 6, furthercomprising receiving one or more edits of the order from the user. 8.The system of claim 1, further comprising setting up the phrase.
 9. Thesystem of claim 8, wherein the setting up comprises: receiving detailsof the order; receiving the phrase from the user; and storing thedetails and the phrase with an account of the user.
 10. The system ofclaim 1, wherein the details comprise a merchant identifier andinformation about one or more items or services to be purchased from themerchant.
 11. A non-transitory machine-readable medium comprising aplurality of machine-readable instructions which when executed by one ormore processors of a server are updated to cause the server to perform amethod comprising: receiving, by a third party payment provider,identification information of a user; receiving a phrase associated withthe user and a plurality of orders associated with multiple merchants,wherein the phrase is unique to the plurality of orders associated withthe multiple merchants; determining, by the payment provider, details ofthe order from the phrase, wherein the determining comprises determiningthe merchant(s) associated with the order from the phrase; andprocessing the order, wherein the processing comprises debiting anaccount of the user with the payment provider and crediting an accountof the merchant(s) with the payment provider.
 12. The non-transitorymachine-readable medium of claim 11, wherein the phrase is selected bythe user and contains less characters than the order.
 13. Thenon-transitory machine-readable medium of claim 11, wherein theprocessing comprises transmitting the details to a merchant and making apayment to the merchant on behalf of the user.
 14. The non-transitorymachine-readable medium of claim 11, wherein the phrase is received bytext.
 15. The non-transitory machine-readable medium of claim 11,wherein the method further comprises requesting a confirmation of thedetails from the user.
 16. The non-transitory machine-readable medium ofclaim 15, wherein the method further comprises receiving one or moreedits of the order from the user.
 17. The non-transitorymachine-readable medium of claim 11, wherein the method furthercomprises setting up the phrase.
 18. The non-transitory machine-readablemedium of claim 17, wherein the setting up comprises: receiving detailsof the order; receiving the phrase from the user; and storing thedetails and the phrase with an account of the user.
 19. Thenon-transitory machine-readable medium of claim 11, wherein the detailscomprise a merchant identifier and information about one or more itemsor services to be purchased from the merchant.